what does america's insurance map look like now? >> well, as you mentioned, 18 states have said they want to do their own expectings. states have until february to decide if they want to do one in partnership with the federal government. if they decide not to do that, then the federal government wilt build this exchange for them, and exchangees, of course, are where people will go-- individuals and small businesses-- to actuallyre purchase insurance under the new law because, remember, most people will be required to have health insurance or else they'll pay a fine. >> suarez: some big states, texas, florida, have declared they're out. what happens there? >> that's right.feme so in the cases will of those states, then the federal government will come in and build the exchange for them.e so it will look to the consumer, to the small business, the same as it would if the state hadxa done it. there will still be a texasf health insurance anything and a florida health insurance exchange but it will be run byz: the federal government and